If you have extra cash just sitting in a bank account, it may not be doing much toward helping you reach your financial goals. A general investing account offers flexibility and can help get your unused cash working harder for you.

We know you’re concerned about fees. That’s why we offer low-cost mutual funds with no loads, commissions, or sales charges.

Mutual Fund Annual Account Service Fee2

$20/T. Rowe Price account below $10,000

Mutual Fund Account Closeout Fee3

$20 if the account is closed

Unlike bank products, investment products are not FDIC insured, not bank guaranteed and may lose value.

Additional fees may apply to brokerage accounts. For more detailed information regarding fees, view the Fees and Minimums section of our Help Center.

Past performance is no guarantee of future results. Unlike bank products, investment products are not FDIC insured, not bank guaranteed and may lose value.

1 167 of our 366 mutual funds had a 10-year track record as of 12/31/18. (Includes all share classes and excludes funds used in insurance products.) 132 of these 167 funds (79%) beat their Lipper average for the 10-year period. 262 of 366 (72%), 220 of 283 (78%), and 176 of 213 (83%) of T. Rowe Price funds outperformed their Lipper average for the 1-, 3-, and 5-year periods ended 12/31/18, respectively. Calculations based on cumulative total return. Not all funds outperformed for all periods. (Source for data: Lipper Inc.)

2 The annual mutual fund account service fee will be waived if you subscribe to electronic delivery of statements, confirmations, and prospectuses and shareholder reports. For brokerage accounts, an annual $30 account maintenance fee applies, subject to additional waiver criteria. See the Brokerage Commission and Fee Schedule for details.

3 A closeout fee is deducted from each IRA or Education Savings Account (ESA) mutual fund account that is fully redeemed, transferred to a non-IRA or ESA, or transferred out of T. Rowe Price.

More account options

To help you reach your financial goals, T. Rowe Price offers a broad range of investment products and services.

The mutual funds referred to in this website are offered and sold only to persons residing in the United States and are offered by prospectus only. The prospectuses include investment objectives, risks, fees, expenses, and other information that you should read and consider carefully before investing.Download a prospectus.